Hi to all of you as I am going to do my best in giving you information on various insurance help and information.  Please feel free to ask questions and I will do my best to answer them and/or research it for you.  I worked many years as a Medical Insurance Specialist and for a variety of doctors including Pain Management which became my specialty as I was diagnosed with RSD in 1995.  I will start with some clarifications of different insurance and money help for the various companies....